Invest in your future with a Share Certificate

No matter what stage of life you're in, a Share Certificate is a great investment option without the risk!

Share Certificate Rates

Arizona Financial offers some of the best Certificate rates with flexible terms that make investing in your future an easy decision.

Term
Minimum to
Earn APY*
Dividend
Rate
APY*
Term
6 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
1.49%
APY*
1.50%
Term
12 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
1.74%
APY*
1.75%
Term
18 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
1.98%
APY*
2.00%
Term
24 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.08%
APY*
2.10%
Term
36 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.37%
APY*
2.40%
Term
48 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.47%
APY*
2.50%
Term
60 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.57%
APY*
2.60%
Effective November 22, 2022

*APY – Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Certificates that renew automatically will receive the rate in effect on the date of renewal. There is a 10-day grace period at maturity. Non-renewals do not earn dividends after maturity. You have agreed to leave the principal of this account on deposit for the full term stated on your Certificate deposit receipt. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty. We may grant a penalty waiver in the cases of the owner's death or for withdrawals payable to an IRA owner as a normal post 59 ½ distribution. Withdrawals resulting in a balance less than the required minimum must be closed. Penalty amounts may exceed earnings.

*APY – Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Certificates that renew automatically will receive the rate in effect on the date of renewal. There is a 10-day grace period at maturity. Non-renewals do not earn dividends after maturity. You have agreed to leave the principal of this account on deposit for the full term stated on your Certificate deposit receipt. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty. We may grant a penalty waiver in the cases of the owner's death or for withdrawals payable to an IRA owner as a normal post 59 ½ distribution. Withdrawals resulting in a balance less than the required minimum must be closed. Penalty amounts may exceed earnings.

Open a Share Certificate Today:

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A Share Certificate from Arizona Financial Keeps Your Money Safe & Secure

With competitive rates and guaranteed returns, a Share Certificate Account can get you closer to your financial goals. It's a great option for those looking to invest with none of the risks, but all of the rewards!
Flexible Terms

Choose terms ranging from 6 months to 5 years. Select the term that works best with your financial goals!

Guaranteed Growth

Your earnings are guaranteed as long as your funds remain for the full term you select.

Low Opening Deposit

With as little as $1,000, you can open an Arizona Financial Certificate Account and enjoy a risk-free investment.

Federally Insured

Your funds are federally insured up to at least $250,000 per depositor.

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What is a Share Certificate?

A Share Certificate is a type of savings option that is guaranteed to offer a fixed rate for a fixed term. A term is the length of time you agree to let your money remain in the account, untouched. Once the 6- month to 5-year term has ended,  you can withdraw your funds on the maturity date. 

If you withdraw your funds before the maturity date, you may be assessed an early withdrawal penalty. Be sure to check the terms and conditions to know if this applies to you.

Share Certificates are a great way to invest your savings, typically at a higher rate than a Savings Account, without any additional risk.

 

Share Certificate Possibilities

young lady leaning against countertop holding a coffee mug while smiling
  1. Build Your Emergency Fund

    Enjoy higher guaranteed dividends as you save three to six months of your expenses.

  2. Give a Gift

    Open a Certificate for a child or grandchild and teach the importance of saving.

  3. Save For Retirement

    Diversify your savings and investments to ensure you have accessible money.

  4. Rainy Day Fund

    Stash some extra cash and watch it grow! You'll be ready for the unexpected.

Certificate Resources

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Frequently Asked Questions

Can I open a Certificate, Savings Account, or Money Market Account online?

Yes. If you’re an existing Arizona Financial member, you can add a Certificate, Savings Account, or Money Market Account through online banking.

Here's how:

  • Log in to your online account from a desktop or laptop (this option is not currently available in the mobile app).
  • Click on “Additional Services” from the blue bar at the top of the page.
  • Select “Secure Forms” from the options provided.
  • Select “Open Additional Accounts.”
  • Fill out the form with your request and we’ll take it from there.
  • The new account will be opened within 2 business days.
For a more personalized touch, stop by one of our branch locations or schedule an appointment to open an account with a banker.
 
Is my money insured?

Your funds are federally insured up to $250,000 per depositor by the National Credit Union Administration (NCUA). Visit the NCUA website to access the NCUA's FAQs and Share Insurance Estimator. 

Is there a penalty for closing a Certificate Account early?

If you wish to withdraw the funds in your Certificate prior to the end of the term, Arizona Financial may charge a penalty amount equal to 90 days of dividends for terms of 12 months or less, 180 days of dividends for terms of 18 to 48 months, and 270 days of dividends for terms of 60 months.